New York Consumer Law Blog

Only the top 1 or 2 percent of people will have a 'perfect' 850 credit score," Rod Griffin, director of consumer awareness at Experian, tells CNBC Make It. "And it probably won't stay that way. Scores move up and down as your credit history changes. If you increase your balances, open a new account, or have old information fall off your report, your score might slip down or bounce back up.

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Borrowers can have low credit scores, but have to go through an education session about the program and submit all necessary documents, from income statements to phone bills.

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https://www.cbsnews.com/news/equifax-data-breach-was-a-year-ago-what-has-dc-done-about-it/

What should consumers do?

Get your credit reports at AnnualCreditReport.

Job applicants have important federal rights regarding their background checks.  That includes being provided with a copy of a summary of those rights.  It also includes important rights concerning inaccurate information on a background check report.  

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